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Are you paying too much for homeowners insurance in 02886? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Warwick, RI that provides all of the protection you need at a price that is affordable.

Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our Rhode Island licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.

Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 02886?

  • Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
  • Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
  • Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.

Our service is always free so get started today. Free 02886 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 02886 and get ready to save.

3 Easy Ways To Save Money In 02886

These three links will help you explore home insurance quotes in 02886 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.

Get Your 02886 Home Insurance Costs Rated: very high!

The average price for a homeowners insurance policy in Warwick is roughly $1335. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.

If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.

Get 02886 Homeowners Insurance Rates Right Now!

02886 Home Insurance Average Premiums

Local 02886 homeowners insurance quotes comparison

$1085 /yr.

Shows Zip Code: 02886 lowest rates with discounts applied on average.

For the 02886, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$1085 /yr.
Average Coverage:$1335 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1635 /yr.

What is the average home insurance cost for a home in 02886?

  • • The average homeowners insurance premium paid annually for a home in 02886 is around $1335 per year.

What does it cost on average per month for home insurance in 02886?

  • • Homeowners in 02886 pay a monthly average cost per month around $111.00.

What kind of discount could I get if I combine my home and auto insurance together in 02886?

  • • Autoowners in 02886 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Warwick area, check out other zip codes nearby 02886.
Review average rates in another zip code:
02886 homeowners insurance rates
02888 homeowners insurance rates
02889 homeowners insurance rates

Home Replacement Cost Coverage in 02886

Average Building Cost Per Square Foot in 02886: $210

Location: Warwick, Rhode Island (Kent County)

Average Square Footage in 02886: 1,272 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 02886 before you start any project. Warwick homeowners pay on average around $210 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 02886 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 02886 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,272 sq. ft. and the average cost to rebuild the home in this area is around $210 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Warwick area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$2101,272$267,100
Additional Upgrades & Added Features$2631,272$333,875
Major Home Updates or Advancements$3151,272$400,650

It's important to understand that when you estimate your replacement cost of your home in the 02886 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 02886

MF&T International Inc

Address: 2350 Post Rd Ste 3 Warwick, RI 02886
Phone: (401)732-1720
Website:

Allstate Insurance-Daniel Bell Agency

Address: 3590 W Shore Rd Warwick, RI 02886
Phone: (401)732-1001
Website: agent.allstate.com/02989

Best Home & Auto Insurance Agencies in 02886

Nationwide Insurance

Address: 475 Kilvert St Warwick, RI 02886
Phone:
Website: http://www.nationwide.com
Info: Nationwide Insurance - Auto Insurance Quotes and Car Insurance Rates
Start saving on car insurance today when you get a free online auto insurance quote or call (888)890-4630. Enjoy the ease of working with Nationwide for your auto insurance needs and our competitive auto insurance rates. car insurance, auto insurance, online auto insurance, auto insurance rates, car insurance quote

Allstate Insurance Company - Robert Bolton

Address: 1845 Post Rd Warwick, RI 02886
Phone:
Website: http://www.allstateagencies.com/RobertBolton/Welcome/
Info:

MF&T International Inc

Address: 2350 Post Rd, #3 Warwick, RI 02886
Phone:
Website:
Info:

The Slocum Agency

Address: 1229 Greenwich Ave Warwick, RI 02886
Phone:
Website: http://www.slocumins.com
Info:

Allstate Insurance-Daniel Bell Agency

Address: 3590 W Shore Rd Warwick, RI 02886
Phone:
Website: http://www.agent.allstate.com/02989
Info:

Housing Demographics for 02886

Population Review for 02886 Zip Code

For the city of Warwick, the population within 02886 has increased to over 30,199 residents in population size. The current population total is 29,373. We have broken down the population based on race below. In 02886, there are over 14056 in male population and 15317 females.

PopulationValues
Total Population29,373
White Population25127
Black Population570
Hispanic Population1625
Asian Population1155
Hawaiian Population3
Indian Population81
Other Population735
Male Population14056
Female Population15317
Population Estimate30199

Household Data for 02886

The average number of homes in 02886 is around 13,273, there are an average of 2.18 per household. The average house value according to local real estate values is around $267,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode13,273
Persons Per Household2.18
Average House Value$267,100
Income Per Household$75404
Median Age46.6
Median Age Male43.2
Median Age Female49.9
02886 DetailsValues
StateRI
State Full NameRhode Island
City TypeP
City Alias Abbreviation
Area Code401
CityWarwick
City Alias NameWARWICK
CountyKent
County FIPS003
State FIPS44
Time Zone5
Day Light SavingY
MSA6480
PMSA
CSA148
CBSA39300
CBSA_DIV
CBSA_TypeMetro
CBSA_NameProvidence-Warwick, RI-MA
MSA_NameProvidence-Fall River-Warwick, RI-MA MSA
PMSA_Name
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1592
Number Of Employees32007
Business First Quarter Payroll457746
Business Annual Payroll1833525
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1600852
CBSA Division Population0
Congressional District02
Congressional LandArea765.32
Delivery Residential13853
Delivery Business1925
Delivery Total16247
Preferred Last Line KeyV25969
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_Name
City State KeyV25969
Land Area15.796000
Water Area2.730000
City Alias Code
City Mixed CaseWarwick
City Alias Mixed CaseWarwick
Box Count0
SFDU9537
MFDU3133
State ANSI44
County ANSI003
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number438680
Unique ZIP Name
SSA State County Code41010
Medicare CBSA Code39300
Medicare CBSA NameProvidence-Warwick, RI-MA
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseKent

Rhode Island Homeowners Insurance News & Information

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    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]